Thank you for visiting The Big Debt Payoff. The competition is now closed. Debt help is still available from

Thank you for visiting The Big Debt Payoff. The competition is now closed. Debt help is still available from

The competition is now closed!

The competition is now closed

Enter now

The Big Debt Payoff competition is now closed. Debt help is still available from Carrington Dean – Scotland’s debt specialists.

What is your debt level? *

As featured in


Total Debt Written Off:


The original Big Debt Payoff is back

The Big Debt Payoff is back, giving you the chance to clear your unsecured debt in our life-changing competition.

Brought to you by Carrington Dean, we’ve cleared over £30,000 of unsecured debt for three lucky winners since 2018. Will you be next?

Enter now and don’t miss your chance to win! 

The Big Debt Payoff is open to residents in Scotland only, aged 18+ until 23rd April. T&Cs apply.

23,000 entries since 2018

entries since 2018

Entering couldn’t be easier

Step 1

To enter the competition, simply take a few minutes to share your details.

Step 2

After you have entered, you may receive a free, no-obligation, debt help and advice call from a Carrington Dean advisor for a chance to discuss any debts that concern you.

Step 3

Hold tight, we’ll get in touch with the winner once the competition closes on 23rd April.

Our 2022 Winner

It’s second time lucky for Joni Irvine who has been crowned our 2022 Big Debt Pay Off winner after missing out on the top prize back in 2019. 

A dental nurse from Paisley, Joni has had her £15,591 of debt cleared through the Big Debt Payoff by Carrington Dean – Scotland’s debt specialists.

Her advice for anyone worried about their finances is “Remember you’re not alone. Ask for help, people judge you less than you think”.

Entering The Big Debt Payoff can change your life

Just ask the previous winners.

Who will be the next winner?

It could be you.

As seen in

Frequently Asked Questions

Getting involved in The Big Debt Payoff couldn’t be easier. Now in its fourth year the competition, run by Scotland’s debt specialists Carrington Dean, offers the chance for people struggling with problem debt to have unsecured debts written off. All you need to do is complete the entry form with your details and wait until a winner is announced. After you have entered, you will have an opportunity for a free no-obligation debt advice chat with a Carrington Dean advisor. Your entry is still valid if you choose not to participate in the call.

Residents in Scotland aged 18 and over. 

Entrants who are existing clients of Carrington Dean can enter. We are unable to accept entrants who are currently in a debt solution with another provider.

To enter The Big Debt Payoff all you need to have is unsecured debt. We accept all debt levels.

An unsecured debt is a debt that isn’t linked to any asset. That means that the debt isn’t linked to your property, vehicle or anything else you own. Common types of unsecured debt include credit cards, payday loans and store cards, to name just a few.

Our winner is selected at random using specialist computer software and notified by a Carrington Dean representative who will discuss the amount of unsecured debt you’re able to write off.

Unfortunately, no. You must be a Scottish resident in order to enter.

Of course. As long as you still have a level of unsecured debt you’re welcome to enter the competition again. Good luck!

Carrington Dean is the largest independent personal debt solutions provider in Scotland and the first Scottish debt solutions company to be authorised by the Financial Conduct Authority. Expert advisors are on hand to guide people through the process of finding the right debt help for them, offering tailored support to each individual client. 

Win the chance to have your unsecured debts cleared!

To find out more about managing your money and getting free advice, visit Money Helper, independent service set up to help people manage their money.

The Big Debt Payoff

Authorised and regulated by the Financial Conduct Authority.

Contact Us

© 2022 The Carrington Dean Group Limited. FCA No: 674395. Registered in Scotland, Company Registration No SC 225672. Registered Address: Regent House, 5th Floor, 76 Renfield Street, Glasgow, G2 1NQ.

Sam Warburton is authorised in the UK to act as Insolvency Practitioners by the Insolvency Practitioners Association
IP Number: 12430